Christmas is a special time of yeara time for get-togethers with family friends and of course, a time to celebrate the birth of our Lord. And right about now it's also the time you may feel pressured into last minute shopping. Don't let today's hypercommercialism carry you away! Today on MoneyWise, host Rob West talks with Howard Dayton, founder of Compass- Finances Gods Way, to find out how to use the principles in Gods word. Holiday sales this year will be about $730 billion, up 4% from last year and that qualifies as hypercommercialism (rather, this is materialism run amok). In Luke 12, Jesus warns, Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions. And in Matthew 6, Jesus says, Do not' lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal, but lay up for yourselves treasures in heaven. For where your treasure is, there your heart will be also. Every spending decision is a spiritual decision. Our Lord puts an exclamation point on this principle, saying, No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money. There are dangers with materialism. So how can we avoid this all year round? The keys are in Gods word. Limit your exposure to commercialism and focus on the awesome miracle of Jesus coming to earth to provide salvation. Also, surround yourself with friends who have the same biblical values. Howard Dayton is the author of several great Bible-based books on personal finance including Your Money Counts. In today's show we also answer your questions: How do I not have to pay administrative costs on my 403(b) from a previous employer? Do you discourage the use of credit cards? What do you think about using cash only or the envelope system?